(a) A carrier shall not unilaterally change a small
employer group from one health benefit plan to another. A carrier shall not
require an in‑force health benefit plan risk to replace existing coverage
with the basic or standard health care plans.

(b) No carrier, its agents or field representatives, a
broker, nor a small employer shall discourage any employee or dependent from
applying for coverage so that the small employer can be issued a more favorable
premium rate or benefit package.

(c) No carrier shall set classes of employees in such a way
as to exclude any employees who are eligible for insurance by definition. This
Paragraph does not prevent a carrier from classifying ineligible employees or
"extra‑eligibles".